About Credit Report Guide

Credit Report Guide helps Canadians understand their credit reports and scores: how to get them free, what each section means, and how to fix mistakes. We don't sell credit cards, loans or monitoring.

How we research

• Every rule, rate and figure is checked against primary sources: the Financial Consumer Agency of Canada, Equifax Canada and TransUnion Canada.
• Guides list their sources so you can verify them yourself.
• We review pages whenever the underlying rules change, and at least once a year. The "Updated" date on each page shows the last review.

Corrections

If you spot an error, tell us. We fix mistakes promptly and update the page date when we do.

How we're funded

Credit Report Guide is supported by advertising served by Google AdSense. Advertisers have no say in what we publish, and we don't accept payment to recommend any company or product.

What we're not

We're not a credit bureau, lender or credit repair company, and nothing here is financial or legal advice. Read our full disclaimer.